Security Bank in Rich Hill, Missouri (MO)

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Security Bank
GeneralFDIC Certificate #: 9806
Status: Active
Federal Reserve ID: 837550
Bank Holding Company (Regulatory Top Holder): Bates County Bancshares, Inc. (RSSDID: 1021655, Location: Rich Hill, MO)
Date Established: December 31, 1930
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 6280
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: August 12, 2010
Last Structure Change Process Date: August 12, 2010
Last Data Update: August 12, 2010
Data Source Date: April 05, 2012
LocationAddress: 606 East Walnut, Rich Hill, MO 64779
County: Bates
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Kansas City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal assets: $41.6 mil
Equity capital: $4.1 mil
Deposits held in domestic offices: $36.9 mil
Return on assets (ROA): -0.49% (-$0.2 mil)
Quarterly return on assets: 0.54% ($0.2 mil)
Return on Equity (ROE): -5.07% (-$0.2 mil)
Quarterly return on equity: 5.48% ($0.2 mil)
Net income: -$0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: -0.47% (-$195.5 mil)
Quarterly Pretax return on assets: 0.54% ($224.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)16
Total assets$41,586
Cash and due from depository institutions$2,245
Interest-bearing balances$201
Federal funds sold & reverse repurchase agreements$2,150
Net loans & leases$24,966
Loan loss allowance $562
Trading account assets$0
Bank premises and fixed assets$505
Other real estate owned$447
Goodwill and other intangibles$343
All other assets$963
Life insurance assets$41,586
Total liabilities and capital$37,488
Total liabilities$36,948
Total deposits$31,019
Interest-bearing deposits$36,948
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $540
All other liabilities $4,098
Total equity capital$4,098
Total bank equity capital$4,098
Perpetual preferred stock$0
Common stock$200
Undivided profits $98
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $903
Earning assets $0
Long-term assets (5+ years) $422
Average Assets, year-to-date $37,284
Average Assets, quarterly $12,588
Volatile liabilities $46,528
Insider loans $41,840
FHLB advances $24,696
Loans and leases held for sale $41,730
Unused loan commitments $126
Tier 1 (core) risk-based capital $126
Tier 2 risk-based capital $3,561
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,821
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,032
Total interest expense $365
Net interest income $1,667
Provision for loan and lease losses $205
Total noninterest income -$172
Fiduciary activities $0
Service charges on deposit accounts $137
Trading account gains & fees $0
Additional noninterest income -$309
Total noninterest expense $1,507
Salaries and employee benefits $687
Premises and equipment expense $195
Additional noninterest expense $625
Pre-tax net operating income -$217
Securities gains (losses) $0
Applicable income taxes $13
Income before extraordinary items -$230
Extraordinary gains - net $0
Net income attributable to bank -$230
Net charge-offs $0
Cash dividends -$230
Sale, conversion, retirement of capital stock, net $214
Net operating income $2,300
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.07%
Cost of funding earning assets 0.91%
Net interest margin 4.16%
Noninterest income to earning assets -0.43%
Noninterest expense to earning assets 3.76%
Net operating income to assets -0.49%
Return on assets (ROA) -0.49%
Pretax return on assets -0.47%
Return on equity (ROE) -5.07%
Retained earnings to average equity (YTD only) -55.72%
Net charge-offs to loans 0.78%
Credit loss provision to net charge-offs 95.79%
Efficiency ratio-0.06%
Assets per employee$95,719
Cash dividends to net income (YTD only)2.60%
Condition Ratios (%)
Loss allowance to loans -1000.00%
Loss allowance to noncurrent loans 2.20%
Noncurrent assets plus other real estate owned to assets 62.24%
Noncurrent loans to loans 3.25%
Net loans and leases to deposits3.54%
Net loans and leases to core deposits 67.57%
Equity capital to assets 69.67%
Core capital (leverage) ratio 9.85%
Tier 1 risk-based capital ratio 8.53%
Total risk-based capital ratio 14.42%
Average assets$16
Average earning assets$46,528
Average equity $4,540
Average loans $40,095
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3 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06280Security Bank606 East Walnut, Rich Hill, MO 64779December 31, 1930Full Service Brick and Mortar
1221235Rockville FacilityFifth And Osage Avenue, Rockville, MO 64780July 09, 1979Full Service Brick and Mortar
41326Hume Bank BranchMain Street, Hume, MO 64752June 23, 1909Full Service Brick and Mortar
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